1
Adverse Action Notice
Date: 09/11/2024
Member’s Name: RICHARD JOSEPH BARTH Member/Account Number: 102124 11877
Member’s Address: 9 ORCHARD HL HANOVER, NH 03755-4702
Description of Account, Transaction, or Requested Credit: PERSONAL LOAN
ACTION TAKEN AFFECTING CREDIT REQUEST OR EXISTING CREDIT
Date of Loan Request: September 9th 2024 Amount of Loan Requested $ $30,000.00
We are unable to process your application because we require Your credit has been terminated for the following account:
the following information to make a decision:
We are unable to extend credit on the terms you requested but can offer
If we do not receive this information by credit on the following terms:
we will be unable to consider your application.
We are unable to extend credit to you at this time.
Your credit limit has been decreased to $ If this offer is acceptable to you, please notify us no later than
We are unable to honor your request to increase your credit limit. at the address at the top of this notice.
Other:
ACTION TAKEN AFFECTING SHARE DRAFT/CHECKING OR OTHER ACCOUNT OR SERVICE
At this time we are unable to offer you: ATM card Debit card Share draft/checking account
We have terminated/closed your: ATM card Debit card Share draft/checking account
We have suspended your: ATM card Debit card Share draft/checking account
Other:
PART I – PRINCIPAL REASON(S) FOR CREDIT DENIAL, TERMINATION, OR OTHER ACTION TAKEN
This section must be completed in all instances.
Incomplete identity information Limited credit experience
Unable to verify identity Poor credit performance with us
Credit application incomplete Delinquent past or present credit obligations with others
Insufficient number of credit references provided Collection action or judgment
Unacceptable type of credit references provided Garnishment or attachment
Unable to verify credit references Foreclosure or repossession
Temporary or irregular employment Bankruptcy
Unable to verify employment Number of recent inquiries on credit bureau report
Length of employment Value or type of collateral not sufficient
Income insufficient for amount of credit requested We do not offer the type of credit requested
Excessive obligations in relation to income You are not eligible for membership in this credit union
Unable to verify income ✘ Other, specify:
Length of residence Exceeds CU Risk Tolerance Policy
Temporary residence
Unable to verify residence
No credit file
PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE
This section should be completed if the credit decision was based in whole or in part on information that has been obtained from an outside source.
Section A applies only if consumer reporting agency information is used. Section B applies only if an outside source other than a consumer reporting agency is
used.
SECTION A
Our credit decision was based in whole or in part on information obtained in a report from a consumer reporting agency listed on the next page. You have a
right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency
played no part in our decision and is unable to supply specific reasons why we have denied credit to you.
You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition,
if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting
agency.
PLEASE SEE NEXT PAGE FOR EQUAL CREDIT OPPORTUNITY ACT NOTICE
FOR CREDIT UNION USE ONLY
Employee initials: Date mailed or delivered: 09/11/2024
MXX07F-E
©CUNA Mutual Group 1980, 82, 84, 86, 90, 2000, 01, 03, 06-08, 10-12 All Rights Reserved
11
PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE (continued)
We obtained information from the following consumer reporting agency to make our decision about the action(s) on the previous page:
✘ Experian TransUnion Equifax
701 Experian Parkway 2 Baldwin Place P.O. Box 740241
P.O. Box 2002 P.O. Box 1000 Atlanta, GA 30374-0241
Allen, TX 75013 Chester, PA 19016 1.800.685.1111
1.888.397.3742 1.800.888.4213 www.equifax.com
www.experian.com/reportaccess www.transunion.com/myoptions
Name of Consumer Reporting Agency: Experian Consumer US
Street Address: P.O. Box 2002 Telephone Number: (888) 397-3742
City, State, Zip: Allen, TX 75013 Website Address:
We also obtained your credit score from and used it in making our credit
(single consumer reporting agency)
decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in
your credit report changes.
Your credit score is: 832 Date: 9/9/2024 Scores range from a low of 300 to a high of 850
Key factors that adversely affected your credit score
NO RECENT NON-MORTGAGE BALANCE INFORMATION
NO RECENT REVOLVING BALANCES
SECTION B
✘ Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting
agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure
of the nature of this information. To receive this disclosure, contact the credit union.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex,
marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that
administers compliance with this law concerning this creditor is checked below.
Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20006
✘ National Credit Union Administration, Office of Consumer Protection, 1775 Duke Street, Alexandria, VA 22314
Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580
CONNECTICUT NOTICE
THE CONNECTICUT HOME MORTGAGE DISCLOSURE ACT PROHIBITS DISCRIMINATION AGAINST HOME PURCHASE LOAN, HOME
IMPROVEMENT LOAN OR OTHER MORTGAGE LOAN APPLICANTS SOLELY ON THE BASIS OF THE LOCATION OF THE PROPERTY
TO BE USED AS SECURITY. THE AGENCY WHICH ENFORCES COMPLIANCE WITH THIS LAW IS:
DEPARTMENT OF BANKING
260 CONSTITUTION PLAZA
HARTFORD, CONNECTICUT 06103
IF YOU BELIEVE YOU HAVE BEEN UNFAIRLY DISCRIMINATED AGAINST, YOU MAY FILE A WRITTEN COMPLAINT WITH THE
COMMISSIONER OF BANKING AT THE ABOVE ADDRESS.
If you have any questions regarding any of the information on this document,
please contact us at the credit union address or phone number listed.
MXX07F-E
1
Adverse Action Notice
Date: 09/11/2024
Member’s Name: Member/Account Number: 11877
Member’s Address:
Description of Account, Transaction, or Requested Credit: PERSONAL LOAN
ACTION TAKEN AFFECTING CREDIT REQUEST OR EXISTING CREDIT
Date of Loan Request: September 9th 2024 Amount of Loan Requested $ $30,000.00
We are unable to process your application because we require Your credit has been terminated for the following account:
the following information to make a decision:
We are unable to extend credit on the terms you requested but can offer
If we do not receive this information by credit on the following terms:
we will be unable to consider your application.
We are unable to extend credit to you at this time.
Your credit limit has been decreased to $ If this offer is acceptable to you, please notify us no later than
We are unable to honor your request to increase your credit limit. at the address at the top of this notice.
Other:
ACTION TAKEN AFFECTING SHARE DRAFT/CHECKING OR OTHER ACCOUNT OR SERVICE
At this time we are unable to offer you: ATM card Debit card Share draft/checking account
We have terminated/closed your: ATM card Debit card Share draft/checking account
We have suspended your: ATM card Debit card Share draft/checking account
Other:
PART I – PRINCIPAL REASON(S) FOR CREDIT DENIAL, TERMINATION, OR OTHER ACTION TAKEN
This section must be completed in all instances.
Incomplete identity information Limited credit experience
Unable to verify identity Poor credit performance with us
Credit application incomplete Delinquent past or present credit obligations with others
Insufficient number of credit references provided Collection action or judgment
Unacceptable type of credit references provided Garnishment or attachment
Unable to verify credit references Foreclosure or repossession
Temporary or irregular employment Bankruptcy
Unable to verify employment Number of recent inquiries on credit bureau report
Length of employment Value or type of collateral not sufficient
Income insufficient for amount of credit requested We do not offer the type of credit requested
Excessive obligations in relation to income You are not eligible for membership in this credit union
Unable to verify income Other, specify:
Length of residence
Temporary residence
Unable to verify residence
No credit file
PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE
This section should be completed if the credit decision was based in whole or in part on information that has been obtained from an outside source.
Section A applies only if consumer reporting agency information is used. Section B applies only if an outside source other than a consumer reporting agency is
used.
SECTION A
Our credit decision was based in whole or in part on information obtained in a report from a consumer reporting agency listed on the next page. You have a
right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency
played no part in our decision and is unable to supply specific reasons why we have denied credit to you.
You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition,
if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting
agency.
PLEASE SEE NEXT PAGE FOR EQUAL CREDIT OPPORTUNITY ACT NOTICE
FOR CREDIT UNION USE ONLY
Employee initials: Date mailed or delivered: 09/11/2024
MXX07F-E
©CUNA Mutual Group 1980, 82, 84, 86, 90, 2000, 01, 03, 06-08, 10-12 All Rights Reserved
11
PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE (continued)
We obtained information from the following consumer reporting agency to make our decision about the action(s) on the previous page:
✘ Experian TransUnion Equifax
701 Experian Parkway 2 Baldwin Place P.O. Box 740241
P.O. Box 2002 P.O. Box 1000 Atlanta, GA 30374-0241
Allen, TX 75013 Chester, PA 19016 1.800.685.1111
1.888.397.3742 1.800.888.4213 www.equifax.com
www.experian.com/reportaccess www.transunion.com/myoptions
Name of Consumer Reporting Agency: Experian Consumer US
Street Address: P.O. Box 2002 Telephone Number: (888) 397-3742
City, State, Zip: Allen, TX 75013 Website Address:
We also obtained your credit score from and used it in making our credit
(single consumer reporting agency)
decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in
your credit report changes.
Your credit score is: Date: Scores range from a low of to a high of
Key factors that adversely affected your credit score
SECTION B
Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting
agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure
of the nature of this information. To receive this disclosure, contact the credit union.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex,
marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that
administers compliance with this law concerning this creditor is checked below.
Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20006
✘ National Credit Union Administration, Office of Consumer Protection, 1775 Duke Street, Alexandria, VA 22314
Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580
CONNECTICUT NOTICE
THE CONNECTICUT HOME MORTGAGE DISCLOSURE ACT PROHIBITS DISCRIMINATION AGAINST HOME PURCHASE LOAN, HOME
IMPROVEMENT LOAN OR OTHER MORTGAGE LOAN APPLICANTS SOLELY ON THE BASIS OF THE LOCATION OF THE PROPERTY
TO BE USED AS SECURITY. THE AGENCY WHICH ENFORCES COMPLIANCE WITH THIS LAW IS:
DEPARTMENT OF BANKING
260 CONSTITUTION PLAZA
HARTFORD, CONNECTICUT 06103
IF YOU BELIEVE YOU HAVE BEEN UNFAIRLY DISCRIMINATED AGAINST, YOU MAY FILE A WRITTEN COMPLAINT WITH THE
COMMISSIONER OF BANKING AT THE ABOVE ADDRESS.
If you have any questions regarding any of the information on this document,
please contact us at the credit union address or phone number listed.
MXX07F-E
